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Personal loans in Horace, KS

A personal loan in Horace is priced from your credit file and income, not from the fact that the city holds 92 people. A 2020-to-2023 comparison shows Horace down by about 8.0%. By population, Horace sits at 510th in Kansas, with an estimated 92 residents. Read the disclosure for an origination fee and any prepayment penalty before signing in Horace. Rate ceilings, licensing requirements and product limits for Horace are all set at the Kansas level. Borrowers who want a bigger city can look to Tribune, KS about 2 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Horace: the sourced local profile

The figures below are Horace's own — Census population, land area and coordinates — followed by the Kansas rules.

How a Horace personal loan is priced

Most loans made to Horace's 92 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Horace's 92 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Horace loan is knowable in advance — unlike a revolving card balance.

Horace's place among Kansas's 625 places

Set beside Kansas's 625 places, Horace ranks 510th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Horace stands 623rd among Kansas's 625 places — roughly the 0th percentile. Its roughly 376 residents per square mile place it 494th among Kansas's places. Within 50 miles sit 5 smaller Census places, alongside the 11 that are larger.

How Kansas law applies in Horace

When Kansas does not publish a figure, the row links to the source instead of inventing a number; Horace is bound by the same rules.

RuleDetailSource
State lending regulatorKansas Office of the State Bank Commissioner (OSBC)
Source says: "The Office of the State Bank Commissioner regulates all state-chartered banks, trust companies, mortgage businesses, supervised lenders, credit service organizations, earned wage access service providers, and money transmitters".		Kansas Office of the State Bank Commissioner
as of 2026-09-16
UCCC consumer loan rate caps36% on first $860 of unpaid balance; 21% above $860 (closed-end consumer loans)
Source says: "36% on the unpaid principal balance which is $860 or less, and 21% on the unpaid principal balance which exceeds $860".		Kansas Office of the State Bank Commissioner
as of 2026-09-16
Maximum legal interest rate (usury cap)15% per annum (general contract-rate ceiling for written instruments)
Source says: "may stipulate therein for interest receivable ... at a rate not to exceed 15% per annum unless otherwise specifically authorized by law".		Kansas Office of the Revisor of Statutes
as of 2026-09-16

What to do before borrowing in Horace

For Horace's roughly 92 residents, these are the steps that most influence the offer:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the lender holds a Kansas licence by checking the regulator named above.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Decide the purpose and how you will repay it before approaching any lender.

What differs between Horace and the rest of Kansas is not the process but the borrower's own file, among the 92 people here.

Getting a loan in Horace

Horace is a lightly settled community of about 92 people, with 11 larger places inside a 50-mile radius. Lenders licensed in Kansas reach Horace's 92 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Tribune, KS about 2 miles away.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Horace if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Horace is the same as anywhere in Kansas.
What loan size can I expect in Horace?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Horace?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Horace cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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